The State Bank and Trust Company
Headquartered in DEFIANCE, OH. Analysis based on 68 SBA 7(a) loans approved between FY2020 and 2025-12-31, totaling $36.2M.
Total 7(a) loans
68
Total approved
$36.2M
Average loan
$532K
States funded in
3
Charge-off rate
0.00%
FY2020–FY2023 cohort
Paid-in-full rate
22.92%
Average rate
7.68%
Average term
151 mo
Top 10 industries financed
| NAICS | Industry | Loans |
|---|---|---|
| 722513 | Limited-Service Restaurants | 13 |
| 722515 | Snack and Nonalcoholic Beverage Bars | 5 |
| 238990 | All Other Specialty Trade Contractors | 4 |
| 423830 | Industrial Machinery and Equipment Merchant Wholesalers | 4 |
| 444110 | Home Centers | 4 |
| 812310 | Coin-Operated Laundries and Drycleaners | 3 |
| 812990 | All Other Personal Services | 3 |
| 236220 | Commercial and Institutional Building Construction | 2 |
| 484110 | General Freight Trucking, Local | 2 |
| 424490 | Other Grocery and Related Products Merchant Wholesalers | 2 |
Top 10 states
| State | Loans |
|---|---|
| OH | 43 |
| IN | 21 |
| MI | 4 |
Top franchise brands financed
16 franchise loans across 11 distinct brands.
| Franchise | Loans |
|---|---|
| Smoothie King | 4 |
| Qdoba Restaurant Corporation | 2 |
| Ace Hardware | 2 |
| Duck Donuts | 1 |
| Auntie Anne's | 1 |
| Real Property Management | 1 |
| Spenga | 1 |
| Wings Over | 1 |
| Grain & Berry Cafe | 1 |
| Biggby Coffee | 1 |
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Data source & methodology
All figures computed from the SBA Office of Capital Access FOIA dataset (7(a) loans, FY2020–present, as of 2025-12-31). Charge-off and paid-in-full rates are calculated on the FY2020–FY2023 cohort only, so loans have had time to mature. Charge-off rank covers lenders with ≥500 mature loans.